• Prioritization and documentation of goals
  • Overview of personal net worth and personal balance sheet computation
  • Cash flow analysis and a review of various strategies for the efficient use of your capital; this also includes emergency cash savings analysis
  • Liability management, including debt repayment strategies
  • Education/college planning
  • Asset allocation review and evaluation
  • Review of retirement savings strategies, including financial projections of assets required at the estimated retirement date utilizing Wells Fargo Advisors' Envision® tool or Naviplan, depending upon the circumstances
  • Retirement income and liquidity planning, including retirement readiness analysis and Social Security and pension claiming strategies
  • Life insurance needs analysis, including current policy reviews
  • Risk analysis to assess personal exposure to financial risks and to develop a risk management plan. This often includes a review of life insurance, long-term care insurance, disability income insurance, liability insurance, and homeowners and auto policies.
  • Tax planning strategies, including investment tax minimization, intra-state relocation computation, charitable giving, and retirement income optimization/withdrawal strategies.
  • Sensitivity analysis, including stress tests for longevity, higher inflation, higher or lower investment returns, earlier or later retirement dates, etc.
  • Health and extended care planning, including a financial assessment of your health insurance/Medicare options, long-term care planning, and a review of the practical implications of your appointees for health issues.
  • Estate planning strategies, including estate valuation estimates, federal estate tax estimates, wealth-transfer goals, and explanation of estate planning strategies.
  • Review of current investment portfolio and development of an asset management/allocation strategy
  • Recommendations designed to meet your stated goals and objectives, supported by relevant financial information
  • Monitoring of financial performance in relation to pre-determined benchmarks and your own financial plan with the aim of determining “are you on track?”
  • Ongoing review and assessment of assumptions incorporated into financial plan given changes in economic, political, and regulatory environment
  • Portfolio risk reduction strategies, as or if appropriate
  • Education and information regarding general asset classes such as equities (both domestic and foreign), debt, government securities, and municipal securities, or general types of investment vehicles in which you may invest
  • Well-researched investment allocations, products, techniques, and strategies that may involve long-term or short-term holdings of securities or other investment products, and insurance and trust strategies, depending on your financial goals, objectives and desires
  • Regularly scheduled meetings for plan and investment review – can be by email, by phone, by Skype or Zoom, or in person

We look forward to working with you!

Kate E. Eiland, Senior Vice President – Investments, and Elise L. Kausen, Senior Vice President – Investments, hold the CERTIFIED FINANCIAL PLANNER professional designation.

Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies. Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors. Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state. IMPORTANT: The projections or other information generated by NaviPlan regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.

Asset allocation and diversification are investment methods used to help manage risk. They do not guarantee investment returns or eliminate risk of loss including in a declining market.

Wells Fargo Advisors is not a tax or legal advisor.

The use of the CDFA® designation does not permit Wells Fargo Advisors or its Financial Advisors to provide legal advice, nor is it meant to imply that the firm or its associates are acting as experts in this field.